Investment Questionnaire - Broad Portfolio
The Investment Questionnaire is designed to help you create a balanced portfolio from a broad range of investment classes.
How the investment questionnaire - broad portfolio calculator works
It scores your time horizon, comfort with market swings and income stability, combines them into a single risk score, and maps that to a suggested split between stocks, bonds and cash.
Worked example: with years until you need the money of 20 and comfort with market swings (1–10) of 6, the investment questionnaire — broad portfolio shows suggested equity allocation of 74%.
- Risk score
- 74/100
- Profile
- Moderate
- Stocks
- 74%
- Bonds + cash
- 26%
The formula
Risk score blends horizon, risk comfort and income stability (0–100); higher scores point to more in stocks and less in bonds and cash.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the investment questionnaire - broad portfolio
How is my risk tolerance measured?
By combining how long until you need the money, how comfortable you are with volatility, and how stable your income is. Together these shape how much risk you can sensibly take.
Why does time horizon matter most?
A long horizon lets you ride out downturns, so it supports holding more stocks. As your goal nears, you have less time to recover, so you shift toward safer assets.
Is this a personalized recommendation?
It is a general starting point based on common principles, not individual advice. Your full financial picture and goals should inform any real allocation decision.
Is the Investment Questionnaire - Broad Portfolio free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.